Haha I already said i'm the last collected the rebate. A partial of my last transaction got rebate. But I wonder if anyone else get partial rebate for their last transaction. Care to share here? If yes, then we can complain because it's IMPOSSIBLE 2 person get partial rebate. My last transaction is 15th Mar 2014

No choice. Actually UOB One cashback credit card is the best petrol cashback in the credit card line, albeit some stupid limitation such as capped 45k. Even Hong Leong mach requires RM50 per transaction, and 10 swipes a month (every swipe RM50 above) to be entitled to 10%. Lousiest, you nid to swipe accurately RM500 coz the max cashback a mth is RM50. Citibank Shell credit card also pretty stupid coz only at shell and has a catch where other retail transactions determine your petrol cashback limit.

For those of us in the poor line, UOB is the best we can afford. CIMB Petronas Gold is better, however 5% on the 1st week and 2% for subsequent weeks. If you average out, you get lesser than 5%, around 3% max. UOB is good altho they don't rebate you after 45k capped, your average sure 3% (Based on RM150 per month, my car Perodua Viva). Added to the UOB Smart Cash 2% at BHP(after 30 April), cashback still consider higher.

As such, UOB is more efficient for those of us who don't own a big car and can't afford to pump full tank above Rm100 (split RM50-RM50 for 2 swipes)

Advantages of UOB One
1) CT Cash back does not reflect immediately on statements. UOB One card does

2) CT Cash Back Plat is 5%. For UOB One, if you pump at BHP, the average per month is usually 5.5% (3.5% avg + 2%) if you pump most before 15th and less after 15th.

3) UOB One got 10% (5+5) cash back at GSC 7 days a week. CT cashback don't have

4) Collectible Smart$ rebates are good since you can collect them. Good for future use at certain smart merchants

5) UOB One visa salary requirement 24k. CT CashBack 40k...stumbling block for new grads.

6) Low annual fee in case bank doesn't waive. CT Cashback RM195. If don't waive, you cry.

Advantages of CT Plat
1) Free complimentary insurance coverage. Very useful if card drops. UOB must pay for the insurance.

2) Reimbursement of money if product is unsatisfactory. Very good point.

3) 5% cash back petrol for all pumps. Useful. No nid hunt for BHP

4) Senheng gives up to 24 months 0% payment plan. UOB only 12 months.

5) Citibank got more merchant partners. Very good for discounts when eat out. Many places with Citibank logos. UOB very few.

For the month of March, it's up to 15th

Oh ya!! My bad my bad. Mistaken. Hahahaha then it's not an advantage.

Actually, there's a reason citibank does this. I'm not sure if I'm right. Any citi users can explain on this. My guess for letting us wait RM50 is because some months, we don't achieve RM50. So when it's nearing year end, they can use the cashback (not yet reach RM50) to offset the RM50 gst. Additional they call it waiver. This my my opinion though. Any users can verify?

Thx bro for confirming. On another note, any UOB Vox Card user here? Buy 1-free-1 at GSC from today till 13 June 2014. Anyone received sms?

Ya for me. Haha mine is 0% interest. What is balance transfer all about? Mind explaining?

How to know whether i'm entitled or not?

I see. Understand. Thanks

No need fax. Just call up will do. I called them up using the phone at their branch. I asked if I need to fill in any form since the cs never mentioned. She said no need. Only need to verify a few details.

Haha each time you call, it's a different person answering the phone. LOL if one officer says this, u call again in 30 mins. Sure another person

Then this is so freaking lame. You sure you get something right? Must complain

You from Penang? I don't quite understand your english about on 13th and 14th. Mind clarifyin?

If you pumped on 13th through swiping at pump terminal it shouldn't show the 13th transaction since it takes a few days for the petrol station to clear the transaction with UOB UNLESS you swiped your card at the UOB swipe terminal at the counter.

If you want full rebate on petrol every month, go for Citibank CashBack Platinum card. It gives you cashback of 5% whole month, without the nationwide cap. Only individual cap at total petrol spent of RM600, or full RM30 petrol cashback.

Citibank cashback platinum card is almost similar to the UOB one card. The only significant difference on petrol cashback between them both is that UOB One gives additional Smartcash 2% rebate (after 30 Apr Apr 2014, now at 5%). Meaning as for now, UOB One gives 5% cashback + 5% Smart$ (limited to 900k for cashback and 30Apr for Smart$). Citibank is all month round, RM30 max.

To new applicants, I would advice Citibank Cashbash Platinum so that there's not surprise on your petrol cashbacks.

Citibank Cashback Platinum, my bro is using. The annual fee and GST can be waived by the bank. My bro confirmed it with me last time before I subscribe UOB One (salary range still too low for a fresh-grad).

MBB 2 cards will ONLY waive ONE card for GST out of 2 cards. Meaning you still must pay RM50. My aunt confirmed this. For weekend petrol, if you can wait till weekends then ok. If not, go for Citibank cashback.

Actually it doesnt make sense coz I apply 2 UOB cards and the CS says they will waive my both GST and annual fee. I even got the email from them as proof. I wonder why Maybank cannot.

Nono. Both cards are charged GST. Confirmed by my aunt. She called up the cs and they say they waive on one card. The Amex card is charged GST. The statement shows RM50. Meaning 2 cards, 2 GST, however only one is waive. Another card is charged.

Yaya actually she did say that for the 2 Cards, one will deifnitely be waived. However she still call every year just in case they change their T&C. No one knows, better to call. But then, they will never waive the other card's GST. Meaning force you to take both cards, and charge GST for one of them. I understand the GST is remitted to the government, but why can't they absorb it. She spend quite alot every year.

Anyhow, out of the 3 cashback cards,

i) I'd go for UOB One card now coz my salary level is too low for Citibank Cashback and Maybank 2 Cards.

ii) Maybank 2 Cards great only for weekend spendings. Go out eat also 5%. Best part still can collect points and many Maybank partner merchants around. But if weekdays, this card is kinda lousy. For those salary above RM30,000, should give this card a try since it's good for the weekends. I heard the treatpoints has no expiry date. Anyone can confirm?

iii) Citibank Cashback card good for those salary level above annual RM40,000. Also good for weekday spendings. Sometimes, we cannot avoid weekday spendings. But then, it is exactly like UOB One card except for the petrol and certain add-ons.